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To: LLCF who wrote (161379)	4/22/2002 12:25:05 PM
From: GraceZ	Read Replies (1) \| Respond to of 436258

We only disagree because you don't understand the relationship between risk and reward and how it is priced in the market. You aren't alone, even AG had a difficult time expressing that when there is risk in an investment, investors demand to own it at a discount (giving it a higher potential return), when there is less perceived risk they pay a premium and accept a lower future return. You know how this works in bonds, why can't you understand how it works with stocks?